CRAK vs SCHD
VanEck Oil Refiners ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. CRAK delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | CRAK | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.61% | 0.06% | |
| AUM | $183M | $108.7B | |
| Dividend Yield | 1.41% | 3.13% | |
| Holdings | 36 | 104 | |
| YTD Return | +59.31% | +28.63% | |
| 1Y Return | +80.83% | +32.53% | |
| 3Y Return (annualized) | +24.11% | +16.97% | |
| 5Y Return (annualized) | +21.00% | +10.47% | |
| Volatility (annualized) | 23.8% | 13.7% | |
| Max Drawdown | -58.8% | -33.4% | |
| Fund Family | VanEck | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Aug 18, 2015 | Oct 20, 2011 |
CRAK vs SCHD Performance
VanEck Oil Refiners ETF (CRAK) is a ETF from VanEck and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CRAK returned +80.83% while SCHD returned +32.53%. Year to date, CRAK is up 59.31% versus a gain of 28.63% for SCHD.
Over three years, CRAK compounded at +24.11% per year against +16.97% for SCHD; over five years the annualized figures are +21.00% and +10.47% respectively. Across the full 11-year window we track, CRAK has the edge at +13.06% annualized vs +11.63%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CRAK has been the more volatile fund, with annualized monthly volatility of 23.8% compared with 13.7% for SCHD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -58.8% for CRAK and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CRAK charges 0.61% per year while SCHD charges 0.06%. On a $10,000 position that is $61 vs $6 annually, a gap of $55 per year that compounds over a long holding period. On income, CRAK currently yields 1.41% against 3.13% for SCHD.
Holdings Overlap
CRAK and SCHD share 1 holdings out of 124 unique holdings combined, representing a 0.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in CRAK | Weight in SCHD | Difference |
|---|---|---|---|
| DINO | 4.73% | 0.31% | 4.42% |
Frequently Asked Questions
Which is cheaper, CRAK or SCHD?
CRAK has an expense ratio of 0.61% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $55 per year of difference.
Which performed better, CRAK or SCHD?
Over the past year CRAK returned +80.83% vs +32.53% for SCHD, so CRAK leads on 1-year performance. Over the longest common window we track (11 years), CRAK annualized +13.06% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, CRAK or SCHD?
CRAK has been the more volatile fund at 23.8% annualized versus 13.7% for SCHD. Worst drawdown: CRAK -58.8% vs SCHD -33.4%.
Should I hold both CRAK and SCHD?
CRAK and SCHD have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CRAK and SCHD?
CRAK and SCHD share 1 common holdings with a 0.3% weight overlap. Combined, they hold 124 unique securities.
Which pays a higher dividend, CRAK or SCHD?
CRAK yields 1.41% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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